The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$45,935
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,364
−HK$1,451/mo
Today · 4.125%
HK$48,815
baseline
▲ 0.50% · 4.625%
HK$51,786
+HK$2,971/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,630/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,102
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,473
−HK$1,390/mo
Today · 4.125%
HK$53,863
baseline
▲ 0.50% · 4.625%
HK$56,702
+HK$2,839/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,726/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$764,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,122
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,836
−HK$1,742/mo
Today · 4.125%
HK$58,578
baseline
▲ 0.50% · 4.625%
HK$62,143
+HK$3,565/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,156/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,322
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,967
−HK$1,668/mo
Today · 4.125%
HK$64,635
baseline
▲ 0.50% · 4.625%
HK$68,042
+HK$3,407/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,270/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,309
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,309
−HK$2,032/mo
Today · 4.125%
HK$68,341
baseline
▲ 0.50% · 4.625%
HK$72,500
+HK$4,159/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,682/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,543
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,462
−HK$1,946/mo
Today · 4.125%
HK$75,408
baseline
▲ 0.50% · 4.625%
HK$79,383
+HK$3,975/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,816/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,683
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,254
−HK$2,614/mo
Today · 4.125%
HK$87,868
baseline
▲ 0.50% · 4.625%
HK$93,214
+HK$5,346/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$175,736/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,984
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,451
−HK$2,502/mo
Today · 4.125%
HK$96,953
baseline
▲ 0.50% · 4.625%
HK$102,064
+HK$5,111/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$193,906/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,457 · Scale 2, in force from 26 Feb 2026)